PharMed or Réseau de soins — Region 1, Fribourg
Region 1, Fribourg: with Assura-Basis, PharMed costs CHF 543.90 a month in 2026 and Réseau de soins CHF 540.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Réseau de soins is the cheaper of the two here: CHF 38.40 saved per year against PharMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PharMed is a "Family doctor" model. Réseau de soins is a "Telemedicine and others" model.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
- Réseau de soins
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | PharMed | Réseau de soins | Gap per year |
|---|---|---|---|
| 300 | CHF 543.90 | CHF 540.70 | CHF 38.40 |
| 500 | CHF 532.30 | CHF 529.10 | CHF 38.40 |
| 1'000 | CHF 503.10 | CHF 499.90 | CHF 38.40 |
| 1'500 | CHF 473.90 | CHF 470.70 | CHF 38.40 |
| 2'000 | CHF 444.80 | CHF 441.60 | CHF 38.40 |
| 2'500 | CHF 415.60 | CHF 412.40 | CHF 38.40 |
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.